Lexus GS 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 6, 2024
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Average insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive insurance costs an estimated $270 each year, collision insurance costs $466, and liability insurance costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $2,728 or more. Teens receive the highest rates at up to $4,708 a year.
Average premium for full coverage: $1,262
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and GS 350 models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $438 for a discount liability-only rate to a high rate of $2,728 for a policy for a high-risk driver.
Price Range by Location
Your location has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine insurance prices.
These examples highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below breaks down average Lexus GS 350 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $725
- Drivers who choose higher $1,000 deductibles will pay approximately $170 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,262
- Selecting low deductibles for comprehensive and collision insurance costs an extra $320 a year
- High risk drivers with serious driving violations could pay up to $2,728
- The cost to insure a teen driver can cost as much as $4,708 a year
Car insurance rates for a Lexus GS 350 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Lexus GS 350 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,800 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $966 | -$296 | -23.5% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,436 | $174 | 13.8% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,294 | $32 | 2.5% |
| Delaware | $1,424 | $162 | 12.8% |
| Florida | $1,574 | $312 | 24.7% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $852 | -$410 | -32.5% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $948 | -$314 | -24.9% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,864 | $602 | 47.7% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,508 | $246 | 19.5% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $992 | -$270 | -21.4% |
| Nevada | $1,510 | $248 | 19.7% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,408 | $146 | 11.6% |
| New Mexico | $1,114 | -$148 | -11.7% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,032 | -$230 | -18.2% |
| Ohio | $868 | -$394 | -31.2% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,200 | -$62 | -4.9% |
| Rhode Island | $1,680 | $418 | 33.1% |
| South Carolina | $1,144 | -$118 | -9.4% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,102 | -$160 | -12.7% |
| Texas | $1,518 | $256 | 20.3% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,154 | -$108 | -8.6% |
| Wisconsin | $870 | -$392 | -31.1% |
| Wyoming | $1,122 | -$140 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,232 | $103 |
| Lexus GS 350 AWD | $1,262 | $105 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2019 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2018 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2017 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
| 2016 Lexus GS 350 | $260 | $436 | $394 | $1,226 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Lexus GS 350 Insurance
Saving money on Lexus GS 350 insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a brief recap of the coverage data covered in the charts and tables above.
- You may be able to save approximately $150 per year just by quoting online in advance
- Increasing deductibles could save as much as $500 each year
- Drivers under the age of 20 have the highest car insurance rates, as much as $392 per month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may have to pay on average $1,470 more annually to insure a Lexus GS 350
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,708 |
| 20 | $2,898 |
| 30 | $1,314 |
| 40 | $1,262 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,434 |
| $500 | $1,262 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,340 |
| 100/300 | $1,438 |
| 250/500 | $1,691 |
| 100 CSL | $1,379 |
| 300 CSL | $1,594 |
| 500 CSL | $1,750 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,722 |
| 20 | $4,618 |
| 30 | $2,788 |
| 40 | $2,728 |
| 50 | $2,602 |
| 60 | $2,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $57 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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